CharterStone Mortgage provides an outstanding customer experience through personalized service with high tech tools. The goal is to achieve a 5- Star rating from each loan applicant.
Positioned with the latest technology and digital processes the industry has to offer. Accordingly, the processing time is a fraction of other competitors. Therefore, we close fast. In Addition, there is no waiting to send closing disclosures and closing packages. A high level of customer satisfaction is the result. CharterStone Mortgage consistently outperforms the competition. Moreover, constant improvement is a motivating factor in daily operations. In addition, continued education for changing guidelines and new loan programs is also a priority.
On-line application with On-line closing option is available. It is possible to never leave your home or office through the entire process. Call us to find out how. 844- Go4-Loan
Communication
Keeping you informed is a priority. As a result, we let you know the progress every step of the way. Email updates at each completed step are sent to borrowers and approved interested parties. In addition, we will text, email or call with any other updates. More importantly, we are available 7 days a week at your convenience to answer all your questions. Once the loan closes, we continue to be there for you. We will help and advice through the term of your loan.
Loan Programs
CharterStone Mortgage provides Conventional, FHA, VA, USDA, Jumbo, First-Time Buyer, Zero and Low-down payment, Alternate Credit/Income programs. In addition, renovation loans for primary, second home, and investment under Conventional, and Primary under FHA and VA programs. We offer competitive rates and personalized service. We are the local experts and experienced in financing historic and coastal properties.
We Close More Loans
Most direct lenders and banks are more conservative to protect their financial interest when selling funded loans. As a result, they may limit the Debt to Income ratios. In addition, may not allow certain types of income or assets. They may claim they are minimum guidelines. However, they may not be. CharterStone Mortgage has access to guidelines from multiple sources. We are not subject to the in-house restrictions that other lenders and banks often have. As a result, we can close a greater percentage of applications. We go the extra mile to perform for our borrowers.
We seek out the best loan programs for our client’s needs without restriction. Providing multiple sources for conventional, jumbo FHA, VA, USDA and Alternate Credit/ Income programs. As a result, we provide more opportunity for approvals than the other guys. For example, some lenders do not provide renovation loans. CharterStone Mortgage can move a loan from a standard application to a renovation loan and close on the contract date. This is helpful should an inspection on purchase contract find required repairs. Other lenders and banks may not have that option or flexibility to move quickly. We have the solutions, ability and go the extra mile to make home ownership a reality.
Need advice?
Even if you are currently working with another lender and have no intent of changing and just need a second opinion. I will help. Call my cell 561-302-5863 David Barrett NMLS# 60335 Corp NMLS # 1554192
NMLS consumer Access http://www.nmlsconsumeraccess.org
